smith v llyods black horse and arrow global limited belveder

Re: smith v llyods black horse and arrow global limited belveder

I sent you a pm early this morning with instructions, I'll do it again here, basically under this box on the right hand side is a box called Go Advanced, click on that then on Manage Attachments you can go from there. I also advise that you go back and remove the above link as it has your personal details.

[gravytrain]

Re: smith v llyods black horse and arrow global limited belveder

The first link is to small, also I notice that you have left some personal details on there, the second link I cannot access as apparently I do not have the required clearence, perhaps someone from the team can help you display the information. I have requested help.

[smith]

Re: smith v llyods black horse and arrow global limited belveder

http://s356.photobucket.com/user/dou...tml?sort=3&o=0

i credit agrement they sent

theres a letter from there solictor & and a payment record

no terms and conditins

Last edited by smith; Today at 01:31:AM.

[smith]

Re: smith v llyods black horse and arrow global limited belveder

Tick tock, Smith.

Friendly reminder, we don't want a judgement in default

posted link up as i dont know how to put it on my link

[smith]

Re: smith v llyods black horse and arrow global limited belveder

http://s356.photobucket.com/user/dou...tml?sort=3&o=0

i credit agrement they sent

theres a letter from there solictor & and a payment record

no terms and conditins

[gravytrain]

Re: smith v llyods black horse and arrow global limited belveder

Tick tock, Smith.

Friendly reminder, we don't want a judgement in default

[gravytrain]

Re: smith v llyods black horse and arrow global limited belveder

Been off line for a few days, yes get the agreement scanned and we will have a look.

[smith]

Re: smith v llyods black horse and arrow global limited belveder

hi will get every thing scaned up in morn and going threw letters from black horse

[gravytrain]

Re: smith v llyods black horse and arrow global limited belveder

i i filed acknowledgment form online thats all

not filed a defense

Excellent, it will give us some time to prepare.

There are a number of issues.

when did arrow global acquire the account from Rockwell, was the a notice of assignment.

Did you receive a default notice back in 2006 and was the account correctly terminated.

We need to see the figures on the amounts paid and the sums claimed, if that is OK, as well as the terms and conditions on the agreement, so we can work out if they are asking for the correct money and to ensure that all the money you have paid was credited to the account.

We need to see about reclaiming any PPI paid.

We need to check the enmforceabilty of the agreement.

We also need to claim SB although in my opinion that is looking decided iffy at the moment, given that your last agreed payment was in July 2007.

[smith]

Re: smith v llyods black horse and arrow global limited belveder

Can you scan this agreement so we can see it, put a piece of paper over your name and address and account number when you do so that it will not show.

Can you tell us exactly what forms you have sent back so far, I understand you have filed the acknowledgment, and defense regarding the statute barr provided by citizenb is that correct. You did this online ?

i i filed acknowledgment form online thats all

not filed a defense

[gravytrain]

Re: smith v llyods black horse and arrow global limited belveder

the agreement they sent you has on it for the total credit ? 1k

Can you scan this agreement so we can see it, put a piece of paper over your name and address and account number when you do so that it will not show.

Can you tell us exactly what forms you have sent back so far, I understand you have filed the acknowledgment, and defense regarding the statute barr provided by citizenb is that correct. You did this online ?

[smith]

Re: smith v llyods black horse and arrow global limited belveder

I don't know if this question is addressed to me or to Smith. BUt this is the problem it is very difficult to find out exactly what this debt is, the description keeps changing.

My current understanding from reading both threads is;

The OP had an overdraft of around 1k . He arranged a loan for 16k from lloyds. Part of the overdraft was restricted use and earmarked for repaying the overdraft(1k).
Smith decided that he did not want to keep the loan and cancelled under the provisions of section 68 of the act. However he was unable to reclaim the 1k, as it had already been credited to his overdraft account, he was therefore stuck with the dilemma of repaying this 1k to lloyds.

Smith please correct me if any of this is wrong.

This is why it is important to find out what is on the copy agreement he has received, is it for the original debt 16k, or is it one that has been manufactured to legitimize the 1k repayment arrangement(which may be un enforceable).

Dn issues and sb can be addressed when we know all the facts. this seems to me like the logical way to approach this rather than giving random advice that may be based on the wrong facts.

and yes you are right this that happend thank you xplaind better than me

[smith]

Re: smith v llyods black horse and arrow global limited belveder

byrom & keeley crediter payments by creditor acc no xxxxx as follows
dates cheque was sent dates cheque was cashed
4/11/05 15/11/05
28/12/05 09/01/06
30/01/06 03/02/06
06/03/06 13/03/06
27/03/06 04/04/06
25/04/06 03/05/06
30/05/06 16/06/06
28/06/06 11/07/06
31/07/06 07/08/06
29/08/06 06/09/06
25/09/06 04/10/06
25/10/06 1/11/06

all the payments above went to lloyds black horse
the payments below went to rockwell
02/01/07 09/01/07
25/01/07 31/01/07
26/02/07 08/03/07
26/03/07 04/04/07
25/04/07 30/04/07
24/05/07 30/05/07
25/06/07 05/07/07
25/07/07 8/08/07

this information i got of dmp and have the statements to prove it and it states cheque numbers aswell
and payment amounts

lloyds and rockwell used to phone us and say they havent had payment so we would phone dmp they say
payments went off i said prove it so they sent this info

xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

lloyds and rockwell history dates of payments on there print off

08/11/206 create debt created £1,532.06
28/11/206 client payment re vendor payment
05/01/207 receipt from byrom & keeley
29/01/207 // //
06/03/207 // //
02/04/207 // //
26/04/207 // //
26/4/207
25/5/207
3/7/207
6/8/207
31/8/207
12/10/207
11/12/207
9/1/208
18/2 208
17/3/208
17/4/208
28/05/208
19/03/2013 sum fee
19/3/2013 sum costs

hope this sheds some light on it

[smith]

Re: smith v llyods black horse and arrow global limited belveder

The question is, did you make any payments after Nov 2006? Have you got any statements? Are you sure you cancelled the DMP at that point? Because we're talking 18 months worth of payments here, not just one phantom payment as has been known to appear on SBd debts. :noidea:

The question is, did you make any payments after Nov 2006? Have you got any statements? Are you sure you cancelled the DMP at that point? Because we're talking 18 months worth of payments here, not just one phantom payment as has been known to appear on SBd debts. :noidea:

The question is, did you make any payments after Nov 2006? Have you got any statements? Are you sure you cancelled the DMP at that point? Because we're talking 18 months worth of payments here, not just one phantom payment as has been known to appear on SBd debts. :noidea:

byrom & keeley crediter payments by creditor acc no xxxxx as follows
dates cheque was sent dates cheque was cashed
4/11/05 15/11/05
28/12/05 09/01/06
30/01/06 03/02/06
06/03/06 13/03/06
27/03/06 04/04/06
25/04/06 03/05/06
30/05/06 16/06/06
28/06/06 11/07/06
31/07/06 07/08/06
29/08/06 06/09/06
25/09/06 04/10/06
25/10/06 1/11/06

all the payments above went to lloyds black horse
the payments below went to rockwell
02/01/07 09/01/07
25/01/07 31/01/07
26/02/07 08/03/07
26/03/07 04/04/07
25/04/07 30/04/07
24/05/07 30/05/07
25/06/07 05/07/07
25/07/07 8/08/07

this information i got of dmp and have the statements to prove it and it states cheque numbers aswell
and payment amounts

lloyds and rockwell used to phone us and say they havent had payment so we would phone dmp they say
payments went off i said prove it so they sent this info

xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

lloyds and rockwell history dates of payments on there print off

08/11/206 create debt created £1,532.06
28/11/206 client payment re vendor payment
05/01/207 receipt from byrom & keeley
29/01/207 // //
06/03/207 // //
02/04/207 // //
26/04/207 // //
26/4/207
25/5/207
3/7/207
6/8/207
31/8/207
12/10/207
11/12/207
9/1/208
18/2 208
17/3/208
17/4/208
28/05/208
19/03/2013 sum fee
19/3/2013 sum costs

[smith]

Re: smith v llyods black horse and arrow global limited belveder

Can I ask how much the agreement they sent you has on it for the total credit ? 1k or 16k

the agreement they sent you has on it for the total credit ? 1k